HomeInsurance.com, We just installed a pool in our backyard- are we required to increase our home insurance coverage? -D.H.

Hello,

While you are not required to increase your home insurance coverage, many homeowners do choose to increase the liability portion of their policy after installing a pool.  Because there are so many pool related injuries and deaths each year, many homeowners want to adequately insure themselves against these types of lawsuits. 

One requirement that you do face, however, is that you must have a fence and a gate around your pool. You should check your local building codes to ensure that your pool is installed correctly and up to the proper standards.

I would recommend contacting your home insurance agent and discussing your specific policy with them so that you can decide together what your limits of liability should be.

Thanks! Your Agent@HomeInsurance.com